SIPLC Sena Insurance Plc
Insurance
Tk 133.8 as of 2026-11-12 14:06:09
Rank 58 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 93
Profitability 88
Solvency 85
Valuation 3
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Consistency EPS grew in 3 of 4 years
- Consistency Paid a dividend every year (5/5)
- Profitability Average ROE 16.36% (efficient: above 13% for banks/insurers)
- Profitability Net profit growing 18.11% a year
Concerns
- Valuation P/E 22.45 is high (above 12)
- Valuation Trades at 4.16x book value (NAV Tk 32.13, price Tk 133.8)
- Valuation Price is 119% above the Graham fair value (Tk 61.1)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Mid cap (Tk 200-1,000 cr)
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
217.8% above the low, 19.5% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 60%
- Institution 7.2%
- Public 32.8%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 3.83 | 26.99 | 11 | 12 | 0 |
| 2022 | 2.86 | 20.17 | 11 | 12 | 0 |
| 2023 | 3.42 | 22.43 | 14 | 13.5 | 0 |
| 2024 | 4.29 | 25.16 | 17 | 15 | 0 |
| 2025 | 5.17 | 28.58 | 21 | 15 | 0 |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 0%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.